MSP Capital
Specialist LenderMSP Capital is a Scotland-based specialist lender offering bridging finance and development loans across the UK. One of the few major bridging lenders headquartered in Scotland, MSP Capital provides fast, flexible property funding for investors and developers.
About MSP Capital
MSP Capital is a specialist property lender headquartered in Edinburgh, Scotland, providing bridging finance and development loans across the UK. The lender is one of the few significant bridging lenders with a Scottish base, giving it particular expertise in the Scottish property market while maintaining a national lending footprint. MSP Capital was established to provide professional property investors and developers with reliable, responsive short-term finance.
MSP Capital offers bridging loans for purchases, refinances, and refurbishment projects, alongside development finance for residential schemes. The lender covers property across England, Wales, and Scotland, including transactions under Scottish property law. MSP Capital's in-house team provides quick decisions with a pragmatic, deal-focused underwriting approach.
MSP Capital operates through broker partners and is known for strong personal relationships with intermediaries. The lender has built a reputation for delivery, consistently completing on agreed timescales. MSP Capital's Scottish heritage differentiates it from the London-centric bridging market and has made it a popular choice for transactions north of the border.
Lending Focus
MSP Capital offers mortgage products across 4 categories including Commercial, Bridging, Development and 1 more.
Key Features
- Bridging and development finance across England, Wales, and Scotland
- One of the few bridging lenders lending under Scottish property law
- Quick decisions from in-house underwriting team
- Deal-focused pragmatic approach to each transaction
- Strong personal relationships with broker partners
Pros & Cons
Pros
- Lends in Scotland including under Scottish property law — rare among bridging lenders
- Offers both bridging and development finance
- Quick decision-making with in-house underwriting
- Strong track record of completing on agreed timescales
Cons
- –Broker-only — no direct-to-consumer access
- –Maximum LTV of 70% is lower than some competitors
- –Smaller lender with limited capacity for very large transactions
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through approved panel
- Early Repayment Charge
- No ERC — can exit at any time
- Overpayment Allowance
- No restrictions — early repayment permitted
Mortgage Rates
Rate data coming soon. View rates on MSP Capital
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 70%
Frequently Asked Questions
Does MSP Capital lend in Scotland?
Yes, MSP Capital is one of the few bridging lenders headquartered in Scotland and has particular expertise in Scottish property transactions, including those under Scottish property law.
Does MSP Capital offer development finance?
Yes, MSP Capital provides development finance for residential schemes alongside bridging loans, covering both refurbishment and ground-up projects.
What is the maximum LTV for MSP Capital bridging loans?
MSP Capital typically lends up to 70% LTV on bridging loans, depending on the property type and transaction specifics.
How quickly can MSP Capital complete a loan?
MSP Capital aims to complete bridging loans within 2 to 4 weeks from application. Faster completions may be possible for straightforward cases.
How to Apply
Broker only. MSP Capital products are available through mortgage brokers. Find a broker with MSP Capital on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| BIG Property Finance | Commercial, Bridging, Development+1 | Specialist | 75% |
| Buzz Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
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